LTV · monthly repayment
▼ 0.50% · 3.625%
HK$97,383
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,413
−HK$3,077/mo
Today · 4.125%
HK$103,490
baseline
▲ 0.50% · 4.625%
HK$109,787
+HK$6,297/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,980/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,338
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,244
−HK$2,947/mo
Today · 4.125%
HK$114,191
baseline
▲ 0.50% · 4.625%
HK$120,210
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,382/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,860
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,495
−HK$3,693/mo
Today · 4.125%
HK$124,188
baseline
▲ 0.50% · 4.625%
HK$131,745
+HK$7,557/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,376/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,006
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,492
−HK$3,538/mo
Today · 4.125%
HK$137,030
baseline
▲ 0.50% · 4.625%
HK$144,253
+HK$7,223/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,060/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,337
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$140,578
−HK$4,308/mo
Today · 4.125%
HK$144,886
baseline
▲ 0.50% · 4.625%
HK$153,702
+HK$8,816/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$289,772/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,673
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$155,741
−HK$4,127/mo
Today · 4.125%
HK$159,868
baseline
▲ 0.50% · 4.625%
HK$168,295
+HK$8,427/mo
Deposit HK$12.81M · loan HK$29.90M · min. income ≈ HK$319,736/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,290
−HK$10,992/mo
▼ 0.25% · 3.875%
HK$180,743
−HK$5,539/mo
Today · 4.125%
HK$186,282
baseline
▲ 0.50% · 4.625%
HK$197,617
+HK$11,335/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$372,564/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,009
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,239
−HK$5,305/mo
Today · 4.125%
HK$205,544
baseline
▲ 0.50% · 4.625%
HK$216,379
+HK$10,835/mo
Deposit HK$4.27M · loan HK$38.44M · min. income ≈ HK$411,088/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$1,815,058 · Scale 2, in force from 26 Feb 2026)